Newspaper Page Text
. - « ‘ M ‘3 3:5":13 {7 ’
« w
‘ _ , ,,
‘ N. .
..
‘
' , ‘ ,x,_ ‘5 *“ft‘éfliféé 3);.» ' , ‘
, ‘ , ..,
_ ,~ V
, _, g:
”25"? ~ h
~;.; -,j'g @3599 in! 4394‘, 4,3 :. “I": «,4 {.1 ‘ , ‘ 5 >, . 1‘: ./ «53.? :4“; 9 W '54:: W m t3 9,2343%",333‘1 fl ,7 1‘ ‘ >
a” . ti“, K V Q; .1»: » A a}, 5‘13? -I_ , ‘ V ‘ “y L J, h“ w ,‘ H; t: ‘. 3%: 3' “('13
lg“ 1’ 5;? 3f, *
. . , V £337
Au .- .‘).¢. L“ It, Yw «t' ‘ , . ”:f :2? 3V5 > 1
.- . w
.7 ‘(x‘ a 36.4”“ . " : 3 ‘ : ,. :3
‘ , ,, ¢ . , , ». _ , ;,\ i _ I"; ¥ 0“ f
. \ 9'1
., ' .
:92" 9' ., ‘ .3‘! _ - ' 4 77;, "" v} ' ‘3‘ - F, _ u r. a , I, ‘12“, 1" l 1mg?» 1“:- £7“. “ H
. “or: . "(:“93m1 ‘ ‘_ ' 2, W; P A _ _,A n , X» :1“! T "i
g it ' ,_ ‘ J ("I
' 5‘ "-‘ $.35? ‘ "5 ‘41 1,: ~ , {3" , X Lv' ' v k ‘ ‘1’ ‘5
v - f 7' 3‘54? A . ' ‘ . "up \_
My“ ,
, «m- «r 1, 5 4
VOL. XVIII, No 22.]
Having had some inquiry asking
for information governing the
method under which Uncle Sam
proposes to render aid to his agri¬
culturalists through his farm loan
act, we are publishing herewith
the chief features of that law in as
concise form as possible. It is
follows :
The federal land banks stand
ready at all times to lend money to
farmers on farm-mortgage security.
The interest charges will not be
more than 6 per cent, nor more
than t per cent above the rate paid
on the bonds sold by the banks. 11
4 1 per cent bonds should be issued
therefore, the rate charged on loans
would be 5 1 per cent or less.
There will be no commissions or
bonuses, etc. The loans will be
made for periods of time ranging
from five to forty years.
PAYING OFF LOIN.
The "payment of a certain part of
the principal annually or semi¬
annually, with the interest, will be
required. The total payment, in¬
cluding the interest, will be the
same for each year, and will be just
large enough so that the entire
principal will be paid off at the end
of the period. The annual pay¬
ment thus required to pay of a loan
of $i,ooo, With interest at 5 percent
in twenty years, is $So.*>4.
After a loan lias run five years
the borrower will be permitted to
pay off the whole amount, if lie de¬
sires, on any interest date, or to
make partial payments in addition
to the regular installment.
LOW INTEREST RATE.
The requirement of instailmen?.
payments on the amortization plan,
as outlined above, will serve, first,
to cultivate habits of thrift in the
borrower, and second, to make
possible the placing of the loans at
a lower rate of interest, since the
gradual reduction of the principal
constantly improves the security for
the .unpaid balance. The privilege
of optional payments after the first
five years leaves the borrower free
to discharge his inbebtedness before
the end of the loan-period, if he
finds it convenient to do so.
THREE THINGS.
The federal land banks will per¬
form three important services be¬
sides lending money to our farmers :
(1) They will convert the secur¬
ity which farm mortgages afford
into a negotiable form, known as
farm-loan bonds. (2) They will
furnish additional security for the
protection of these bonds, through
their capital and surplus, and thus
make the bonds more attractive to
investors. (3) They will sell the
land-bank bonds in the open invest¬
ment market which, for obvious
reasons, the small farmer could not
reach to advantage.
THE BONDS.
The bonds are to be issued in
denominations raging from $35 to
$1,000 and it is expected that the
bonds of small denomination will
encourage saving through their ap¬
peal to individuals who have, not
been in the habit of making invest¬
ments. The bonds will be secured
not only by farm mortgages deposit
ed in trust with a government of¬
ficial (the registrar for the land
bank district) but also, as indicated
above, by the capital and surplus
of the twelve land banks.
Both mortgages and bonds will
be exempt from all forms of taxa¬
tion.
MUST FORM ASSOCIATION.
Farmers who wisli to obtain
money form the federal loan banks
must from local loan associations,
and get their loans through these
organizations. The local loan as¬
sociations will improve the credit
of their members and reduce the
cost of their loans through the pre-
Devoted to the Agricultural, K Commmlififidustnal 9' \‘ \‘fll'gfiés'EM fictiififém ‘+,«,i‘:\x:[‘e ha? . , Interests of White 1 fiounty
Miss Ola Nix. of Leo, after a
pleasant visit to relatives in this
part has returned home.
We wonder who it was upon
having their fortune told a few
days ago was informed that she
would soon become lady No. 2 for
some man.
Mr. Joe Jackson visited relatives
in Gainesville last Sunday.
Miss Lelia Allen, of Tesnatte,
spent a few days at the home of
Mr. and Mrs. Will Dyer near Clew
land.
Mrs. Nora Allen of Helen i
dovvn for a few days on a visit to
friends and relatives.
We are sorry to hear of the ill¬
ness of Mr. Will Dyer. Hope hr
will soon recover.
Messrs. Sam and Archie Nix
were visiting in pur community
Sunday afternoon. What can it
be that attracts these boys in this
neighborhood so often?
Mr. and Mrs. Will Dyer are be¬
ing congratulated upon the arrival
of a tiny daughter at their home,
Misses Martha and Lizzie V/est,
Georgia Nix, Leila Allen, Mrs.
Belle Westmoreland, Mrs. G, V,
llefner and Addie Mary Thomas
visited the home of Mr, W. D.
Harkins Sunday afternoon and en¬
joyed some good music rendered by
Miss Dollie.
Mr. Marion Jackson visited - the
home of Mr. J. L. Nix Sunday.
Mr. Stewart Nix spent Friday
with relatives on Tesnatee.
Mrs, Lillie Menders and family
have returned from a visit to the
home of Mr. and Mrs. f oil n
Menders at Meldean.
SELECTED EARLY 90 DAY
SPECKLED VELVET LEANS
for sale until supply is sold at $1 .-
30 per bushel delivered, check ac¬
companying orders.
Cuthbert Oil Company,
Cuthbert, Ga.
formance of certain definite ser
vices, among which are the follow
ing: The committee called the
“loan committee” of the association
will appraise the property offered
as security and approve all applica¬
tions for loans which are sent to
the land bank. The secretary
treasurer of the association will
transmit the papers and carry on all
correspondence with the land bank
relative to the loans.
SAFE STANDARDS.
One important function of the
new system will be to establish safe
standards for tlie farm
business of the United Slates;
it is not proposed to extend any
credit except on the basis of proper
security. In addition to the in¬
dorsement of the local association,
every loan must have the approval
of one of the salaried appraisers
appointed by the government for
the several land banks.
SECURITY.
Further, not more than $10,000
may be loaned to one borrower, nor
more than 50 per cent of the value
of the land offered as security plus
20 per cent of the value of the
buildings; and the money must be
used for specified productive pur
poses, sucli as the purchase of farm
land, improvements, equipment.
fertilizers, or live stock, or for the
payment of existing indebtedness.
For complete an accurate
tion on forming a farm loan associa¬
tion to borrow money for improve¬
ments on your farm write to
federal farm loan board, treasury
department. Washington, D. C.
”'“W ._-~m.....__.._.__.. LLEVELAND, ‘ GE‘QI, : 14am "w i' ,, ‘ ‘ _ “413.128, V N, 1917. mummym.
May i), 1,'US. and died at his home
near Leaf, Ga., Feb. 3. 1917. On
Dec. 25, 1SS2. lie was married
Mi s Ham ah Polls, who survives
him. ’Of this union were born
chndivn pine of whom are living
Mrs. A. F, Ken i met. Dora
Ivrv, Me- -rs. Wiley, Henry. Chit*
ami Lee Warwick, and
Gertie, Bertie and Bernice W ar-<
w ick.
In early life Brother Warwick
was converted and joined the Me¬
thodist ehnreh, whose precepts he
obeyed, and whose interests he
loved a- few man have. At her
sacred altars he dedicated his child¬
ren to God, and relied upon it as
his greato-t aid in rearing them.
True to its ideals, lie was blessed
of the church, and in turn blessed
it !>\ the h.waltv of Lis service, the
beauty' ..f his faith, and
purity of his life. Few characters
are so well rounded as was his, ^Vs
a citizen, lie was upright and honor
able; as a Christian, coiisecrfrted,
humble and resigned; as a hus¬
band, thought I ui and ■devoted ; as
a father, affect innate ; as a neighbor
con iderate and generous. His
though quiet, has made its
lusting impress for good. ,. gS|
During the last few years of liis
lifcT.ro. Warwick sull’ered intensely
yet was never hoard to complain,
lie was patient in his aftlictioi;.
He lived daily in contemplation of
death, though: never in fear of it.
As the end drew near and life's
shadows deepened he spoke hope¬
fully of death, realizing that it
holds iu> terrors to the pure in
heart, v aim and nnahuiu, he teh
on sleep, and his soul was called to
its final reward.
He is not dead, he lias hot passed
l.eyomi the mists Hud blind us here
into the new and larger life
Of that serener sphere,
lie inis but dropped his robe of clay,
To put Ids shining garments 011,
tie 1ms not wandered far away,
lie is not lost, or gone.
Though dim idhralli’d mid glorified,
lie still is here and loves us yet,
Tin* dear ones he has Lit, behind,
1 ie never can f< u-get.
ms PASTOR.
Cleveland, Ga., Feb. 19, 1917.
Cleveland R. F. I)
Miss Cal lie Evans is visitjngNier
brother, G II., 1hi« week, t
Mr. S. N. Black is on the sic I
li.-t ihi- week. Wehope'be will
soon recover. |
Mr. Albert Dorsey and family
visited Mr. Johnson Sunday?even#/
ing.
Mr. Robt. fohnspn filled Ids
regular appointment Sunday. i
Mr. 1 ). G. ! lead has a severe cal
of grip. 1
Airs. j. F. Fulmer has been visit
j ing relatives in Cleveland thfs
week.
I Mr. M. A. Stover spent the day
j with W. II. Dorsey iiuii 1 utility
j Sunday.
I M !>-<;- Leila and Addie
Dorsey spent the night with the
grandfather Sat unlay night. \
Mr. E D. Bolts has moved t 4
C. M. Clarion’s place. We are
glad to have Mr. Foils with us.
The ruin continues to pour
mud is plentiful. - - & fj
Success to the Courier.
WANTED.
j
I will p.'iv 4 oen(8 per
pound for common fat cows,
and 4 1-2 for good fat ones
delivered at Helen, Ga. If you
have a dry cow that ht not fal
j 1 will buy her.
Gi. A. Vandiver.
ternoon tea at the Ranch re^dit¬
to a levy ladies. 'The out-of-town
guests were Miss Dillard and Mrs.
^I'ikle.
Mrs. Marsh entertained
elegant luncheon at the “Terrace,”
i\i honor of Miss Elizabeth Ennis
of N acooc |, ec . Those enjoy
Mrs. Marsh’s hospitality were
were Miss Lumsden, Mrs. Iljui
rpond, Mrs. Supplee, Mrs. Took,
Mrs. Pass, and Mrs. Groome.
Miss Ilaliie Johnson, of Atlanta,
•.ij’the guest of Mrs. Marsh.
'Miss llulsey spent the weekend
if Clermont.
The Morse Brothers, millionaire
lumbermen of Rochester, N. V.,
are guests of Mr. and Mrs. Ham¬
mond, at the Ranch.
has a live Christian En¬
deavor Society which is doing
Meat work.
Rev. Mr,- Thompson preached
jSUnday afternoon to a large and
igpoiitive congregation.
Ik Hlri„„
q- V. Cantrell was a visit*
p for a Standard Certificate,which
lift’s been received. We all feel very
fjdud of being the first Standard
jjiftpils have added the following to
their school yell : “One, two, three
four. who are we for? Three, two,
infs, four, who aro we for? M e
(j c J V S.AAr.*C.i»M ve 1 IV ’
b i rW1 d a y anniversary. this week,
and It will be a joyful
as tl L Club so thoughtfully cooper
uteri with the superiutgut of the
scliS|I in attaining the Standard.
The Club lias planned a series of
parties for the ensuing weeks of
school.
To safely guard against
pneumonia use Cowans pre¬
paration. The remedy that
makes good every eiaim. Brine
25 and 50 cents at
* , Cleveland Drug Co
ssj m § fCHtSSf / U. 49 '&.■
Tpl;
CWCfiCC
ST. IOStf ‘5
i$
M 01m ATT A
yWhty Mon
[PRICE $1.00 A YEAR
EV ELAND, GA.
Hi! Ill
Bl—Hll|l|—
H. 1 ST OVEK $ 100 , 000.00
WILL BE APPRECIATED
W. II. UNDERWOOD
EN1MEH A. M. DEAN. J. It. TELFORD.
Vico- Presidents.
GAINE & NORTHWESTERN
EROAl) C OMPA NY
UGLY PASSENGER SERVICE.
j
JiHiLVrt Gainesville Depot
Main Street
New Holland Jet.
IVw berry
Bi-ookton
Clermont
Cleveland
Asbestos
Mount Yonah
Y onali
Naeooche’e
Helen
A reive Robevtstinvn
THE
NEXT DGGR
Run on the plan of
SMALLER ! J
I’ 1 ’- ' ■ is low as the goods can be sold,
for your immey ami ii ■treatment,” is my motto.
( and other produce wanted, and will count
same as cash,
